The Fourth Financial Crisis

Upon hearing the nonsense excuse given by the Haiya Department, Zhu Ziming's heart suddenly ran through ten thousand mud horses.

The Chen Family Chamber of Commerce is originally the dogleg of the Haiya Chamber of Commerce. Of course, it can agree to any conditions. What's more, the cash in the Chen Family Chamber of Commerce's account was originally given by Haiya Bank. Haiya Bank froze the money. In fact, it was Haiya Bank. Just get back the money that originally belonged to you!

More importantly, the so-called 8 million deposit is an outrageous figure, and the operating costs of the shantang cannot be that high!

Because as long as people in the charity hall do not starve to death, there will be heavenly merits. Therefore, when cultivators open the charity hall, they provide the homeless with the poorest meals, mostly expired coarse grains, even to save budget. , and also mix sawdust into the food, so the annual relief cost for a homeless person is only about three yuan of spiritual stone coins.

This price is equivalent to the price of half a ton of japonica rice shipped from Luoxia City to Haiya City (including freight).

Based on this calculation, even if 50,000 mortal homeless people are rescued at the same time, Shantang only needs to invest 150,000 spiritual stone coins every year. Even if the depreciation of fixed assets and management expenses are added, the annual operating cost of 200,000 spiritual stone coins is more than enough. .

At that time, Rong Sheng, the young pioneer of Shanying Sect, opened a black charity hall in Qingyun City for eight years with only 50,000 spiritual stone coins. Although the official charity hall of Wuliang Sword Sect is definitely far larger than ordinary private charity halls in scale , but the scale cannot exceed a hundred times. After all, the population size of Haiya City is there. If it is not forced, no one is willing to go to the charity hall to eat pig food. It is impossible for one-tenth of the population of Haiya City to take the initiative. Go to the Shantang to be a merit generator of human flesh...

In fact, the conditions of Zhongzhou Shantang have not always been so bad.

Before the pilot reform of the social security system in Zhongzhou began, the shantang industry was the result of full market competition. It is not that cultivators have used their crooked ideas to use higher benefits to attract those mortals who did not need relief to enter the shantang. However, this strategy of using bugs to gain merit soon had a major negative impact because it violated the principles of economics.

When the cultivators raised the treatment of the Shantang to a level higher than that of ordinary mortals, a large number of mortals flooded into the Shantang in a short period of time. The cultivators who opened the Shantang also took the opportunity to gain a lot of merit. However, this kind of The act soon created a severe shortage of local mortal labor.

As the original construction workers, laborers, and farmers poured into the shantang to lie down, the cultivators gradually discovered that they had no mortals to call upon. As local prices soared rapidly, the sect's financial income dropped sharply, and the shantang's The fiscal deficit continued to expand, and the lack of labor soon triggered a local man-made financial crisis, which in turn even deducted the merits of the ruling faction.

So the local cultivation sect had to issue an emergency decree to stop this kind of arms race.

From then on, the shantang could only provide mortals with the minimum living security necessary to survive starvation. Only those mortals who had completely lost their ability to work and take care of themselves would choose to enter the shantang to earn a living.

This is the origin of the "good hall balance" in today's Kyushu cultivation world.

Even if the two official charity houses run by the Wuliang Sword Sect finally completely monopolize the charity business in the entire Haiya area, each charity house can accommodate at most 40,000 to 50,000 mortal homeless people.

What's more, in the few years since the official charity was first launched, it is certainly impossible to take in all the homeless people in Haiya City immediately. In this case, the Zhujia Chamber of Commerce only needs to deposit two million in the supervision account. Lingshi coins in cash are enough to ensure that the shantang's operations will run smoothly for the first ten years.

Compared with the operating costs of the shantang, if you want to build a shantang to provide shelter from the wind and rain for tens of thousands of homeless people, the construction and construction costs are the real major expenses in the early stage of the shantang's operation. After the Zhujia Chamber of Commerce deposited 8 million Lingshi coins in cash into the Haiya Bank supervision account, it was no longer able to come up with enough construction funds.

As for why the Zhujia Chamber of Commerce deposited so much money into the supervision account, it is still Liu Hanxing’s own problem.

In order to eliminate as many competitors as possible during the partner selection process, the minimum amount of the supervision account originally set by Liu Hanxing was set based on the Zhujia Chamber of Commerce's tolerance limit.

After Zhu Ziming put the money into the supervision account, the Zhujia Chamber of Commerce no longer had more than one million yuan. If it were another ordinary chamber of commerce, it could still borrow some assets as collateral. However, the Zhujia Chamber of Commerce had nothing but cash. The assets can be mortgaged. If you want to continue making money, you can only ask Liu Hanxing for help.

It's not that Zhu Ziming has never thought of borrowing money from foreign chambers of commerce.

However, the reform of Zhongzhou's social security system is an act of centralization by the Wuliangjian Sect. It would be great if other local chambers of commerce do not add insult to injury. Anyone who dares to help the Zhujia Chamber of Commerce will be the public enemy of all vassal sects.

Although Zhongzhou is a vast territory, there must still be some chambers of commerce who have heard the news and are willing to lick their blood. Yang Lu heard that there are several out-of-town cultivation chambers of commerce, and they are planning to risk offending all local sects to lend a helping hand to the Zhu Family Chamber of Commerce. Lin Jianxing, the head of Wuliang Sword Sect, and Liu Hanxing, vice president of Lingshi Reserve Bank.

However, before these cultivation chambers of commerce had time to contact Zhu Ziming, the news was leaked for unknown reasons.

Helping the Zhu Family Chamber of Commerce at this juncture is undoubtedly a provocation to all local sects in Zhongzhou. Without Jiang Hua'an personally visiting, the pressure from cultivating forces from all over the world is overwhelming. The final result is that these chambers of commerce are finally forced by pressure from all parties. They all said that they had no plans to cooperate with the Zhujia Chamber of Commerce.

When Yang Lu just heard about this kind of thing, he felt very unbelievable. After all, even if there are chambers of commerce that are willing to lick their blood to support the Zhujia Chamber of Commerce, they cannot declare in a big way that they are here to help the Zhujia Chamber of Commerce. They must be secretly cooking the matter before it is ready.

However, the fact is that all the foreign chambers of commerce that want to mingle with the Zhu Family Chamber of Commerce have leaked the news due to various reasons, and the Haiya Clan always gets the news first.

Yang Lu tried to sidestep Han Fulai and Su Cheng, but the two said that this was all due to City Lord Jiang's magical powers. Even though they were both core members of the four major families of the Haiya family, they didn't know why City Lord Jiang could master such powers. Strong intelligence network.

This reminded Yang Lu of what Su Yuanfeng and Li Qingyang had said to him.

The former once told him that Jiang Hua'an, the usually unassuming lord of Haiya City, was the real king of the Haiya family, and even if the Su family and the Han family joined forces, they would not be his opponent; while the latter warned him that Be careful with Jiang Hua'an, because this Jiang City Master is in Haiya City, but he has the ability to influence the political structure of cultivation forces tens of thousands of miles away.

Now it seems that they may not be exaggerating.

Especially Li Qingyang, as the president of the Lingshi Reserve Bank and standing at the pinnacle of the Kyushu cultivation world, he was wary of Jiang Hua'an during his lifetime. No matter how you look at it, Jiang Hua'an can never be just an ordinary city lord!

Seeing Jiang Hua'an's methods of predicting the unknown, Yang Lu was also very happy. Although he chose to side with the Su family and the Han family, he had never completely broken up with Jiang Hua'an, especially when facing the power of the Wuliang Sword Sect. In times of external pressure, the two sides became temporary allies.